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Budget Direct Essential Travel Insurance

Cover the essentials at a low rate with Budget Direct Essential Travel Insurance

You never know what could go wrong when on a trip overseas, which is where Budget Direct Essential Travel Insurance can help. Budget Direct Essential Travel Insurance covers a range of travel woes including:Budget Direct is an Australian insurance provider that has been offering essential insurance products to millions of Australians since the year 2000. The company offers affordable life, home, car and travel insurance by focusing on the low risk sector so as to lower their premiums and pass on more savings to their customers.

  • Cancelled, delayed or diverted flights
  • Medical emergencies
  • Luggage loss, theft or delays

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Rates last updated October 21st, 2016
Brands Product Product Details Apply
Budget Direct Travel Insurance Essential

Unlimited overseas medical expenses

$12,500 disruption of journey

$5,000 luggage and personal effects

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What are the key benefits?

Key Benefits of Budget Direct Essential Travel Insurance?What You Are Covered For
Cancellation and Amendment Fees
  • If you are forced to cancel your trip due to unforeseen reasons such as an accident, death or injury, you will be covered for:
    • any pre-paid travel and accommodation expenses as well as meal expenses
    • any cost of excursions, tours or activities that you have already paid for the cost pre-paid Visas that you cannot recover from any other source.
Overseas Medical and Hospital Fees
  • You are covered for any reasonable expenses you incur on your overseas trip due to the following:
    • emergency medical, surgical or hospital treatment costs as well as any ambulance costs
    • having to return to Australia earlier than intended due to a medical emergency
    • you are covered for reasonable extra accommodation and travel expenses if you cannot return to Australia following your medical emergency
    • you get a daily hospital cash allowance if you are admitted in an overseas hospital as an inpatient.
Cutting Your Trip Short
  • Should you have to return to Australia as a result of injury, illness, death or being declared unfit to continue with your trip by a medical practitioner, you are covered for:
    • pre-paid travel, accommodation and meal expenses
    • the cost of excursions, tours and activities you paid for before leaving Australia or which you paid after arriving at your overseas destination
    • any extra accommodation, meal or travel expenses you incur should your trip be disrupted, or if you are forced to return to Australia due to injury, an accident, illness, loss of your travel documents or similar unexpected events
    • your return airfare should you decide to resume your trip after it has been disrupted by an event covered under this policy.
Travel Delay Expenses
  • You will be paid a benefit should your final international trip from Australia be delayed due to reasons such as bad weather, a mechanical breakdown, a strike or industrial action. This amount will be paid for each complete period of delay as long as you eventually proceed with your trip.
Luggage and Personal Effects
  • You will be covered for a specified amount for the loss, theft or damage of personal items you own and have on your trip. Your policy also includes:
    • cover for the replacement cost of lost, stolen or damaged artificial limbs, glasses, contact lenses and hearing aids
    • optional additional specified items cover for specific items you want extra cover for
    • cover for the cost of replacing your luggage if it is delayed for more than 24 hours by your airline
    • cover for the replacement of lost or stolen documents including Visas, passports, travellers cheques and credit cards
    • cover for the replacement of personal money that gets lost or stolen.
Personal Accident
  • If you suffer an injury that within 12 months results in your loss of hearing or sight, death, loss of the use of your limbs or permanent Paraplegia or Quadriplegia, you or your estate will be paid a specified benefit.
Personal Liability
  • You are covered for any expenses you incur during your trip should you become legally liable for:
    • accidentally injuring someone
    • damaging or losing someone else’s property.
Rental Vehicle Insurance Excess
  • You are covered for any Rental Vehicle insurance excess are liable to pay due to damage or theft of a rental vehicle in your control during your trip.
Alternative Transport Expenses
  • You will be paid for your reasonable extra travel expenses to reach a planned event such as a wedding or funeral should your scheduled transport become delayed, cancelled or diverted.
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Who's eligible to purchase this policy?

Budget Direct Essential Travel Insurance is available to Australian citizens or permanent Australian residents. Non-permanent Australian residents can also purchase the policy, but they must have a valid Medicare Card, Private Health Fund or Overseas Student Travel Insurance. To ensure that you are an Australian citizen or currently reside in Australia, Budget Direct may ask for proof in the following forms. Proof may include:

  • copy of your passport
  • Australian residency documents
  • your birth certificate
  • a copy of your valid Medicare Card, Private Health Fund or your Overseas Student Travel Insurance.

Age eligibility for the policy is a minimum of 18 years and a maximum of 100 years at the time of applying for the policy. However, an eligible person can purchase the cover for their child or grandchild who is below the age of 18 and who is financially dependent on them.

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What's not covered?

The following general exclusions apply for the Budget Direct Essential Travel Insurance:

  • Any claims that arise from the following are not covered if at the time you took out the policy:
    • you were aware of a certain medical condition that you knew could lead to the claim, or have been informed that you are terminally ill
    • an insured person under your policy is travelling against the advice of a doctor or is awaiting medical tests or receiving medical treatment
  • You are not be covered for cancellation or amendment fees on this policy if a travelling companion or close relative not insured under the policy:
    • needed surgery, inpatient treatment or consultations with a medical practitioner
    • needed any treatment or prescribed medication
    • had been diagnosed with a terminal illness prior to the start of the policy.
  • You are not covered for claims arising from your suicide, attempted suicide or your deliberate attempt to injure yourself or put yourself in danger.
  • Claims that arise from riots, industrial action or strikes, blockades, or similar events that were public knowledge at the time you began your trip are not covered.
  • Any claims that arise from your deliberate involvement in malicious, reckless or illegal activities will not be paid.
  • Claims arising out of war, invasion, insurrection, revolution, usurpation of government or similar events will not be paid.
  • Claims related to an incident that you knew would likely lead to a claim while you were taking out the policy will not be paid.
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General conditions apply

The following general conditions apply to this policy:

  • Any information that could affect the decision of Budget Direct to accept your insurance must be disclosed to them e.g. any plans to engage in dangerous activity during your trip or holiday overseas.
  • You are required to take all reasonable steps to decrease of avoid loss that you wish to make a claim for under this policy.
  • You must provide the Budget Direct claims department with all documents it needs to settle your claim. Such documents may include vouchers, receipts, medical certificates and other documents that act as proof of your loss.
  • You must not make any fraudulent claims or use any fraudulent means or devices while making a claim, as this may lead to your policy getting cancelled and your paid premiums being forfeited.
  • Any amounts paid to you by Budget Direct that are not covered under this policy must be repaid to them.
  • Any salvage that you sent to the insurer remains their property after your claim has been settled.
  • You must contact Budget Direct as soon as possible in the event that you require hospitalisation, emergency transportation or repatriation back to Australia so it can approve your request and make the arrangements needed.
  • Budget Direct does not cover you for loss or any event liability to the degree covered by any other insurance policy, medical health scheme or an Act of Parliament.
  • Any changes that take place between your taking up of this insurance policy and departure for your trip must be communicated to Budget Direct. This includes:
    • any new treatment or prescribed medication.
    • any changes to your treatment or prescribed medications, as well as changes in dosages.
    • any new sickness, illness or injury that required you to get medical advice.

To ensure that you don’t have to worry about an unforeseen event ruining your trip or stay overseas, you should protect yourself by taking up Budget Direct Essential Travel Insurance. Budget Direct Essential Travel Insurance covers you for most unforeseen events and give you the freedom to travel without constantly worrying about the unexpected.

Receive a quote for Budget Direct Essential Travel Insurance

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